12170 Kelly Sands Way #717Terrace VII at Kelly Greens Golf & Country Club · Fort Myers, FL 33908
$169,000

The fairway runs east to open water, and the sunrise comes with it.

A second-floor Terrace condo at Kelly Greens, where golf membership comes bundled with the unit. Two bedrooms, two baths, 1,069 square feet, plus a 20-foot screened lanai over the course.
2 Bed 2 Bath 1,069 Sq Ft Built 1989 Golf Bundled 2nd Floor · East
List Price
$169,000
Price / Sq Ft
$158
Golf Membership
Bundled, included
Building Flood Cover
Paid by the association
The Home

The view is the part nobody can renovate into a unit down the hall.

Second floor, east-facing, looking down the fairway to open water and mature palms.

Open the slider and the course is right there, with the sunrise coming straight at you and the lake behind it. That view is the reason to buy this one. Second floor is what buyers in this community ask for first, and this one has an elevator in the building, so the stairs are a choice rather than a requirement.

Inside is 1,069 square feet in a split bedroom plan, so the guest room and its bath sit away from the primary suite. Overnight visitors are not walking past your door. Newer luxury vinyl plank runs through the living space, and the screened lanai adds another 20 by 7 feet of the room you actually use down here.

The kitchen and baths are original and honest about it. If you have wanted to put your own hand on a place, the bones are here and the expensive part, the view, is already paid for. What is left is cosmetic and it happens on your schedule, not a builder's. The refrigerator was replaced in 2025.

Practical matters. Refrigerator, range, dishwasher, microwave, disposal, washer and dryer all convey. One assigned covered carport space comes with the unit. Flood insurance on the building is carried by the association rather than by you. Leasing is permitted four times a year with a thirty day minimum, so a seasonal owner who wants the place to help carry itself has a real path to it.

Furnished, One Way To Do It

The unit is empty. Here is one version of it with furniture in.

These seven images are artistic renderings, not photographs. Nothing shown in them conveys, and no furniture exists in the unit today. They are here because an empty room is hard to read for scale, and every one of them is built on top of a real photograph of these actual rooms. Compare any of them against the gallery above and you will see the same walls, the same windows and the same view.

Video

The full video tour.

Filmed at the unit and over the community. Turn the sound on.

Floor Plan

1,069 square feet, split so the guest room has its own corner.

Living and dining run to the lanai across the east wall. The primary sits on one side with its own bath, the guest bedroom and second bath on the other. Measured by floor plan service; the dimensions below are from the listing.

Floor plan of 12170 Kelly Sands Way unit 717, two bedrooms and two baths with a screened lanai
Primary Bedroom
11 × 12
Bedroom 2
11 × 9
Living Room
14 × 13
Dining Room
17 × 8
Kitchen
10 × 16
Screened Lanai
20 × 7
What You Are Actually Buying

The honest inventory, including the ages.

Taken from the sellers' own disclosure sheet and the listing. Where something is old, it says so, because you are going to find out anyway and it is cheaper to find out now.

The unit
  • Second floor of a three-story building, interior position, with a common elevator.
  • Split bedroom floor plan, 1,069 square feet under air, plus a 20 by 7 screened lanai.
  • Newer luxury vinyl plank flooring through the living space.
  • Primary bath is shower only. Both baths are original.
  • East rear exposure over the golf course to the lake.
  • One assigned covered carport space, plus interior storage.
  • Concrete block and stucco construction, tile roof, single hung and sliding windows.
  • Storm protection is shutters, screens and fabric.
Appliance and equipment ages, from the sellers
  • Refrigerator: 2025.
  • Washer: 2017. Dryer: 1989.
  • Microwave: 1999.
  • Range and dishwasher: 1989, original to the unit.
  • Air conditioner and water heater: the sellers have listed the ages as unknown. The pre-listing inspection in the documents section covers both, and this is an estate sale, so nobody is in a position to claim more than the paperwork shows.
  • Roof, irrigation and pool equipment are maintained by the association, not the unit owner.
What conveys
  • Refrigerator, range, dishwasher, microwave, disposal, washer and dryer.
  • Ceiling fans, smoke detectors and window coverings.
  • The unit is sold unfurnished. Nothing in the staged renderings conveys.
The Real Monthly Numbers

What it actually costs to own here.

The fees at Kelly Greens are real money and there is no point burying them. Here they are in full, from the listing and the sellers' own utilities sheet, next to a payment estimate you can change. Your taxes, insurance and loan terms will differ, so treat the total as an illustration rather than a quote.

Estimate your payment

$—
principal & interest

Illustrative only. Rates and programs vary by lender and borrower. This is not a loan offer or a quote.

The rest of the monthly picture

Kelly Greens master association $2,059 per quarter, includes bundled golf$686
Terrace VII condo fee $1,750 per quarter$583
Property taxes 2025 Lee County bill, $2,077$173
Electric FPL, sellers' average$120
Water and sewer included in the condo fee$0
Cable and internet included in the condo fee$0
Flood insurance on the building carried by the association$0
Trash, pest, lawn, pool all included in the condo fee$0
Ownership costs before the loan$1,562

Still yours to buy An HO-6 unit owner's policy for the inside of the condo and your own contents. The association's master policy stops at the walls. There is an estimate for that just below.

Sources: the active listing dated 23 September 2026, the sellers' utilities sheet, and the 2025 Lee County tax bill. Total annual recurring fees are $15,236. Florida reassesses property tax on sale, so your tax bill will not be the sellers' tax bill. One time at closing: a $7,250 transfer fee to the association. There is no CDD on this parcel and no special assessment currently levied.

Flood and Insurance

What FEMA says, and what it costs to insure.

FEMA Flood Zone
AE
Base Flood Elevation
11 ft
Unit Floor
Second

This parcel sits in Zone AE, a high risk coastal floodplain, with a base flood elevation of 11 feet. On a ground floor unit that is the whole conversation. This unit is on the second floor, and the association carries the flood policy on the building through the condo fee, so the owner is not writing a separate flood cheque for the structure. Talk to your lender early about what they will require for a unit at this elevation, and get a quote before you are up against a closing date.

Want an introduction to an insurance person?

We will pass your details to one of the independent agents we work with in Lee County. We are real estate agents, not insurance agents, and we are not paid for the introduction.

An estimate, not a quote. We are real estate agents, not insurance agents, and no carrier is named or implied. We are not paid for the introduction. Sources: Florida Office of Insurance Regulation county averages, Property Insurance Stability Report, March 2025, and the FEMA National Flood Hazard Layer. The sellers' bills and your likely bills are two different things; taxes reassess on sale in Florida and your insurance will differ from theirs.

Preferred Lender

Buying this one starts with knowing your numbers.

Cary Meyers, Guild Mortgage

Cary Meyers

Guild Mortgage · Southwest Florida

Cary works Southwest Florida and knows what lenders do with a condo in a golf community, which is not the same thing they do with a single family house. Worth a call before you write, particularly on the association's financials and what your lender will want to see from them.

(616) 915-2366 · cmeyers@guildmortgage.net

Apply now with Cary Meyers at Guild Mortgage

Click to get pre-approved or start your application.

Cary Meyers NMLS #584519 · Guild Mortgage NMLS #3274 · Equal Housing Opportunity. You are welcome to finance this purchase with any lender you choose.

Kelly Greens Golf & Country Club

The golf is bundled, which is the whole point of the fee.

Golf membership here is mandatory and bundled into the dues, so the eighteen hole course, the driving range and the putting green come with the unit rather than sitting behind a separate initiation. That is what the master association fee is buying. The club also runs a clubhouse with a restaurant, a pool and spa, tennis, a fitness centre and a library, and the whole community is behind a staffed gate off Summerlin.

Position matters here as much as the amenities. Sanibel causeway and Fort Myers Beach are both a short drive, and sidewalks and streetlights run throughout, which sounds like a small thing until you are the one walking at seven in the morning.

Schools run on Lee County's choice zones rather than a single assigned school. This address sits in elementary Zone O, middle Zone MM and high school South Zone 1. Check the current year's options with the district before relying on any one of them.

Golf
Bundled, mandatory
Community
Gated · 939 units
This Building
Terrace VII · 30 units
Leases Allowed
4/yr · 30-day min
Pets
1, up to 40 lb
Age Restricted
No
HOAMaster Association Documents391 pages, indexed and searchable WEBKelly Greens Club SiteClub information and contacts
Do Your Homework Here

Every document, before you even ask.

A condo in a golf community lives or dies on its paperwork, and a lender is going to ask for most of this anyway. It is all here, including a pre-listing inspection the seller ordered on his own unit and the association's reserve study. Read it now rather than in week three.

Lee County Property Appraiser Record Open in Apple Maps Open in Google Maps
See It In Person

Schedule a showing.

Martin and Kim Hawley
Martin & Kim Hawley, REALTORS®
Hawley Team at KW Florida Living
Office (239) 420-9027 · Martin direct (239) 451-5065 · martin@teamhawley.com
Hawley Team at KW Florida Living
RealTrends Verified 2026, City Ranked
#4 Team in Fort Myers by Homes Sold, RealTrends Verified 2026 (residential)
131 closings and $22.6M in 2025 across residential, land and commercial

The unit is vacant, so showings are easy and usually same day. Call or text and we will set a time. Already working with your own agent? Have them reach out and we will take care of the rest.

Ready?

Make an offer.

This is an estate sale, which in practice means the paperwork is a little different and the seller is motivated to get it done properly rather than quickly. Here is exactly how to put an offer in front of him.

  1. Use the Florida AS-IS Residential Contract with the Condominium Rider. Your agent will know both; if you do not have an agent, contact us and we will walk you through your options.
  2. Attach your mortgage preapproval letter, or proof of funds if you are paying cash.
  3. Include the signed disclosures from the documents section above, being the seller's disclosure, the condominium rider, the HOA community disclosure and the flood disclosure.
  4. Budget for the association's approval process and the $7,250 transfer fee at closing.
  5. Email the package to martin@teamhawley.com. We confirm receipt of every offer, and we present every offer.
Start Your Offer Email Questions First? Call Martin
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Listing photo, full screen
Artistic rendering, not an actual photograph